Cheapest car insurance in Denver, Colorado

Colorado requires minimum liability coverage of 25/50/15. Rates below are monthly estimates for the 25-55 driver, Full coverage, Fair credit bracket.

Filed per-carrier data
Methodology → All of Colorado →

Pulled directly from carrier rate filings for this city.

With 713,252 residents, Denver sits in the mid-size band where carriers file rates regularly but the field of insurers is a bit shorter than in a major metro. The spread here is wide, 59% between the cheapest and priciest insurer we track, which is exactly the kind of gap a flat citywide average would hide. On average, drivers here pay about 41% more than the national baseline we track.

What do you pay now?
#InsurerPosition in spreadMonthly
01 American NationalFiled rate, credit/record adjusted $166.26
02 California CasualtyFiled rate, credit/record adjusted $191.06
03 ProgressiveFiled rate, credit/record adjusted $273.94
04 GEICOFiled rate, credit/record adjusted $291.30
05 Grange Insurance AssociationFiled rate, credit/record adjusted $313.93
06 State FarmFiled rate, credit/record adjusted $332.32
07 American FamilyFiled rate, credit/record adjusted $392.15
08 AllstateFiled rate, credit/record adjusted $403.41
Rate explainer
Why is your best rate $166.26 and not $209.31?

Denver is priced against 8 insurers for the 25-55 driver, Full coverage, Fair credit bracket. Below is every step from the national baseline to your best filed rate.

City vs national baseline, adult/full +$29.03
Age bracket, 25-55 +$0.00
Coverage, Full coverage +$0.00
Credit tier, Fair (modeled) +$57.20
Driving record, Clean (modeled) +$0.00
About these numbers

Rows marked filed come from a per-carrier, per-city import. Rows marked state-average estimate are built by spreading a statewide average across insurers until real per-city data is imported. Credit tier and driving record are always modeled adjustments, never filed. Your real premium depends on your record, exact address and chosen limits.